UCB Fundamental Analysis - UNITED COMMUNITY BANKS/GA

Fundamental Rating

UCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. UCB may be in some trouble as it scores bad on both profitability and health. UCB is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year UCB was profitable.

In the past year UCB had a positive cash flow from operations.

UCB had positive earnings in each of the past 5 years.

Each year in the past 5 years UCB had a positive operating cash flow.

1.2 Ratios

UCB has a Return On Assets (0.94%) which is comparable to the rest of the industry.

UCB has a Return On Equity (7.35%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.94%
ROE	7.35%
ROIC	N/A

ROA(3y)0.89%

ROA(5y)0.96%

ROE(3y)7.55%

ROE(5y)8.47%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

UCB's Profit Margin of 27.19% is fine compared to the rest of the industry. UCB outperforms 70.08% of its industry peers.

In the last couple of years the Profit Margin of UCB has declined.

UCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.19%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-11.42%

PM growth 5Y-4.36%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UCB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, UCB has more shares outstanding

UCB has more shares outstanding than it did 5 years ago.

UCB has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of UCB is 0.49, which is an excellent value as it means it would take UCB, only 0.49 years of fcf income to pay off all of its debts.

UCB has a Debt to FCF ratio of 0.49. This is amongst the best in the industry. UCB outperforms 82.10% of its industry peers.

A Debt/Equity ratio of 0.04 indicates that UCB is not too dependend on debt financing.

With an excellent Debt to Equity ratio value of 0.04, UCB belongs to the best of the industry, outperforming 81.84% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.49
Altman-Z	N/A

ROIC/WACCN/A

WACC18.03%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.79%, which is quite good.

Measured over the past years, UCB shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.76% on average per year.

The Revenue has grown by 8.58% in the past year. This is quite good.

The Revenue has been growing by 10.65% on average over the past years. This is quite good.

EPS 1Y (TTM)17.79%

EPS 3Y-9.37%

EPS 5Y-0.76%

EPS Q2Q%13.79%

Revenue 1Y (TTM)8.58%

Revenue growth 3Y10.44%

Revenue growth 5Y10.65%

Sales Q2Q%11.68%

3.2 Future

UCB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.37% yearly.

The Revenue is expected to grow by 7.15% on average over the next years.

EPS Next Y16.18%

EPS Next 2Y11.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.5%

Revenue Next 2Y7.15%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.28, which indicates a correct valuation of UCB.

UCB's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 27.03, UCB is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 11.41, the valuation of UCB can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of UCB is on the same level as its industry peers.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.54, UCB is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.28
Fwd PE	11.41

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of UCB is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	12.38
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.82

PEG (5Y)N/A

EPS Next 2Y11.37%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.98%, UCB has a reasonable but not impressive dividend return.

UCB's Dividend Yield is comparable with the industry average which is at 3.56.

UCB's Dividend Yield is a higher than the S&P500 average which is at 2.45.

		Industry Rank	Sector Rank
Dividend Yield	2.98%

5.2 History

On average, the dividend of UCB grows each year by 8.20%, which is quite nice.

UCB has been paying a dividend for over 5 years, so it has already some track record.

UCB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)8.2%

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

UCB pays out 45.69% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of UCB is growing, but earnings are growing more, so the dividend growth is sustainable.

DP45.69%

EPS Next 2Y11.37%

EPS Next 3YN/A

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UNITED COMMUNITY BANKS/GA

NYSE:UCB (9/10/2025, 8:16:11 PM)

After market: 32.54 0 (0%)

32.54

-0.07 (-0.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/bmo

Earnings (Next)10-21 2025-10-21/bmo

Inst Owners86.02%

Inst Owner ChangeN/A

Ins Owners0.4%

Ins Owner Change-0.14%

Market Cap3.95B

Analysts75

Price Target35.62 (9.47%)

Short Float %1.84%

Short Ratio3.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.98%

Yearly Dividend1

Dividend Growth(5Y)8.2%

DP45.69%

Div Incr Years5

Div Non Decr Years5

Ex-Date09-15 2025-09-15 (0.25)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.24%

Min EPS beat(2)3.97%

Max EPS beat(2)6.51%

EPS beat(4)3

Avg EPS beat(4)4.93%

Min EPS beat(4)-2.15%

Max EPS beat(4)11.39%

EPS beat(8)6

Avg EPS beat(8)4.45%

EPS beat(12)6

Avg EPS beat(12)-0.22%

EPS beat(16)7

Avg EPS beat(16)0.52%

Revenue beat(2)0

Avg Revenue beat(2)-1.08%

Min Revenue beat(2)-1.46%

Max Revenue beat(2)-0.7%

Revenue beat(4)0

Avg Revenue beat(4)-4.93%

Min Revenue beat(4)-15.11%

Max Revenue beat(4)-0.7%

Revenue beat(8)0

Avg Revenue beat(8)-6.52%

Revenue beat(12)2

Avg Revenue beat(12)-4.78%

Revenue beat(16)3

Avg Revenue beat(16)-3.69%

PT rev (1m)4.45%

PT rev (3m)5.35%

EPS NQ rev (1m)1.2%

EPS NQ rev (3m)9.23%

EPS NY rev (1m)4.6%

EPS NY rev (3m)5.41%

Revenue NQ rev (1m)-0.04%

Revenue NQ rev (3m)1.64%

Revenue NY rev (1m)0.09%

Revenue NY rev (3m)0.57%

Valuation

		Industry Rank	Sector Rank
PE	13.28
Fwd PE	11.41
P/S	4.05
P/FCF	12.38
P/OCF	11.25
P/B	1.09
P/tB	1.5
EV/EBITDA	N/A

EPS(TTM)2.45

EY7.53%

EPS(NY)2.85

Fwd EY8.77%

FCF(TTM)2.63

FCFY8.08%

OCF(TTM)2.89

OCFY8.89%

SpS8.04

BVpS29.74

TBVpS21.72

PEG (NY)0.82

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.94%
ROE	7.35%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.19%
GM	N/A
FCFM	32.72%

ROA(3y)0.89%

ROA(5y)0.96%

ROE(3y)7.55%

ROE(5y)8.47%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-11.42%

PM growth 5Y-4.36%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.49
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	3.27%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	120.35%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC18.03%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)5.95%

Cap/Sales(5y)4.88%

Profit Quality(3y)152.01%

Profit Quality(5y)134.28%

High Growth Momentum

Growth

EPS 1Y (TTM)17.79%

EPS 3Y-9.37%

EPS 5Y-0.76%

EPS Q2Q%13.79%

EPS Next Y16.18%

EPS Next 2Y11.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.58%

Revenue growth 3Y10.44%

Revenue growth 5Y10.65%

Sales Q2Q%11.68%

Revenue Next Year8.5%

Revenue Next 2Y7.15%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-14.87%

FCF growth 3Y-3.11%

FCF growth 5Y17.88%

OCF growth 1Y-21.04%

OCF growth 3Y-0.9%

OCF growth 5Y17.84%

UNITED COMMUNITY BANKS/GA (UCB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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